Alpha Services and Holdings S.A.

OTCPK:ALBK.F Stock Report

Market Cap: US$3.7b

Alpha Services and Holdings Valuation

Is ALBK.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ALBK.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ALBK.F ($1.65) is trading below our estimate of fair value ($3.61)

Significantly Below Fair Value: ALBK.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ALBK.F?

Key metric: As ALBK.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ALBK.F. This is calculated by dividing ALBK.F's market cap by their current earnings.
What is ALBK.F's PE Ratio?
PE Ratio7.4x
Earnings€483.31m
Market Cap€3.56b

Price to Earnings Ratio vs Peers

How does ALBK.F's PE Ratio compare to its peers?

The above table shows the PE ratio for ALBK.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.2x
INTR Inter & Co
18.3x36.0%US$2.5b
NTB Bank of N.T. Butterfield & Son
8.1x-7.1%US$1.7b
FCNC.A First Citizens BancShares
13x-8.2%US$32.5b
CMA Comerica
17.5x10.9%US$9.3b
ALBK.F Alpha Services and Holdings
7.4x19.0%US$3.6b

Price-To-Earnings vs Peers: ALBK.F is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (14.2x).

Price to Earnings Ratio vs Industry

How does ALBK.F's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
ALBK.F 7.4xIndustry Avg. 13.2xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ALBK.F is good value based on its Price-To-Earnings Ratio (7.4x) compared to the US Banks industry average (13.2x).

Price to Earnings Ratio vs Fair Ratio

What is ALBK.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ALBK.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ALBK.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ALBK.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$2.51
0%
11.8%US$3.18US$2.01n/a15
Nov ’25n/a
US$2.52
0%
12.3%US$3.24US$1.93n/a15
Oct ’25US$1.79
US$2.61
+45.7%
11.7%US$3.32US$1.98n/a15
Sep ’25n/a
US$2.64
0%
11.8%US$3.36US$2.01n/a15
Aug ’25n/a
US$2.55
0%
12.3%US$3.25US$1.95n/a14
Jul ’25n/a
US$2.36
0%
16.2%US$2.81US$1.31n/a14
Jun ’25US$1.69
US$2.36
+39.9%
16.2%US$2.81US$1.31n/a14
May ’25n/a
US$2.30
0%
15.8%US$2.73US$1.30n/a13
Apr ’25n/a
US$2.30
0%
16.5%US$2.76US$1.31n/a12
Mar ’25n/a
US$2.23
0%
15.0%US$2.60US$1.31n/a11
Feb ’25US$1.76
US$2.22
+26.2%
14.9%US$2.60US$1.31n/a11
Jan ’25n/a
US$2.13
0%
20.1%US$2.72US$1.20n/a12
Dec ’24US$1.67
US$2.09
+25.7%
19.0%US$2.53US$1.21n/a13
Nov ’24n/a
US$1.99
0%
18.7%US$2.44US$1.17n/a13
Oct ’24n/a
US$2.02
0%
18.3%US$2.46US$1.17US$1.7914
Sep ’24US$1.75
US$2.01
+14.9%
17.9%US$2.48US$1.19n/a14
Aug ’24n/a
US$2.04
0%
17.9%US$2.54US$1.21n/a14
Jul ’24n/a
US$1.91
0%
17.5%US$2.40US$1.20n/a13
Jun ’24US$1.45
US$1.65
+13.9%
14.4%US$2.14US$1.18US$1.6914
May ’24n/a
US$1.70
0%
13.0%US$1.98US$1.21n/a13
Apr ’24n/a
US$1.62
0%
13.2%US$1.90US$1.16n/a13
Mar ’24US$1.42
US$1.67
+17.6%
10.6%US$1.92US$1.29n/a12
Feb ’24n/a
US$1.62
0%
12.3%US$1.85US$1.18US$1.7612
Jan ’24US$0.95
US$1.53
+61.0%
13.2%US$1.81US$1.16n/a12
Dec ’23US$1.10
US$1.47
+34.0%
13.4%US$1.76US$1.12US$1.6712
Nov ’23n/a
US$1.36
0%
14.6%US$1.68US$1.06n/a11

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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